To The Point Services
ActiveSummary
To The Point Services has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €448,789 and a net result of €14,432. Equity is growing by about 16% per year across the filed financial years. Its solvency ranks better than 71% of 21,064 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €448,789
- Profit
- €14,432
Why 94lowers riskLiquidity: current ratio 8.36, cash €133,934Size: total assets €581,373Sector: Computer programming, consultancy and related activities (NACE 62)Equity €448,789 (77.2% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 85% on solvency, 62% on liquidity, 24% on profitability and 48% on growth.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 9 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Weakest financial yearnet €14,148 ▼82.5%
Financials · financial year 2025, micro format
2025 annual accounts filed late (24 days) Filed on 24 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00430729.
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 54% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 6,049 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 95.9% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,474 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,049 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €3,620 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,542 | €6,984 | €6,984 | €3,106 | €2,074 | €2,004 | €1,817 | €6,678 | ▲ 267% |
| Other operating charges640/8 | - | - | - | €706 | €657 | €955 | €1,071 | €3,478 | ▲ 225% |
| Gross operating margin9900 | €31,074 | €64,142 | €91,447 | €68,944 | €89,920 | €115,521 | €19,637 | €35,923 | ▲ 82.9% |
| Operating profit (loss)9901 | €24,789 | €56,459 | €83,888 | €65,133 | €87,189 | €112,562 | €16,748 | €25,767 | ▲ 53.8% |
| Financial income75/76B | - | - | - | €276 | €703 | €534 | €4,370 | €1,899 | ▼ 56.5% |
| Recurring financial income75 | €418 | €2,883 | €100 | €276 | €703 | €534 | €4,370 | €1,899 | ▼ 56.5% |
| Financial charges65/66B | - | - | - | €62 | €67 | €20 | €737 | €7,209 | ▲ 878% |
| Recurring financial charges65 | €55 | €32 | €91 | €62 | €67 | €20 | €737 | €7,209 | ▲ 878% |
| Profit (loss) for the period before taxes9903 | €25,152 | €59,310 | €83,896 | €65,346 | €87,825 | €113,075 | €20,381 | €20,457 | ▲ 0.4% |
| Income taxes67/77 | €7,551 | €16,817 | €24,534 | €18,318 | €24,860 | €32,340 | €6,233 | €6,025 | ▼ 3.3% |
| Profit (loss) for the period9904 | €17,601 | €42,493 | €59,362 | €47,028 | €62,964 | €80,735 | €14,148 | €14,432 | ▲ 2.0% |
| Profit (loss) for the period to be appropriated9905 | €17,601 | €42,493 | €59,362 | €47,028 | €62,964 | €80,735 | €14,148 | €14,432 | ▲ 2.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €152,414 | €191,416 | €278,471 | €299,747 | €375,098 | €461,677 | €555,887 | €581,373 | ▲ 4.6% |
| Fixed assets21/28 | €11,807 | €9,147 | €2,164 | €4,196 | €2,122 | €2,741 | €310,736 | €308,963 | ▼ 0.6% |
| Tangible fixed assets22/27 | €11,807 | €9,147 | €2,164 | €4,196 | €2,122 | €2,741 | €310,736 | €308,963 | ▼ 0.6% |
| Land and buildings22 | - | - | - | - | - | - | €307,640 | €302,754 | ▼ 1.6% |
| Plant, machinery and equipment23 | - | - | - | €361 | - | - | - | - | - |
| Furniture and vehicles24 | - | - | - | €3,835 | €2,122 | €2,741 | €3,097 | €6,209 | ▲ 101% |
| Current assets29/58 | €140,607 | €182,269 | €276,308 | €295,551 | €372,976 | €458,936 | €245,151 | €272,410 | ▲ 11.1% |
| Amounts receivable within one year40/41 | €34,447 | €55,953 | €33,148 | €20,654 | €41,837 | €40,689 | €15,111 | €23,366 | ▲ 54.6% |
| Trade receivables40 | - | - | - | €18,890 | €40,073 | €40,529 | €1,940 | €16,069 | ▲ 728% |
| Other amounts receivable41 | - | - | - | €1,764 | €1,764 | €160 | €13,171 | €7,297 | ▼ 44.6% |
| Current investments50/53 | €91,254 | €109,136 | €25,054 | €55,246 | €110,737 | €111,111 | €111,556 | €111,964 | ▲ 0.4% |
| Cash at bank and in hand54/58 | €14,114 | €16,376 | €216,855 | €218,428 | €218,749 | €302,077 | €113,997 | €133,934 | ▲ 17.5% |
| Deferred charges and accrued income490/1 | - | - | - | €1,223 | €1,653 | €5,060 | €4,488 | €3,146 | ▼ 29.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €152,414 | €191,416 | €278,471 | €299,747 | €375,098 | €461,677 | €555,887 | €581,373 | ▲ 4.6% |
| Equity10/15 | €133,329 | €175,010 | €233,572 | €279,801 | €341,965 | €421,869 | €435,187 | €448,789 | ▲ 3.1% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €114,635 | €156,135 | €214,135 | €261,135 | €323,135 | €403,135 | €416,535 | €430,035 | ▲ 3.2% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | €259,275 | €321,275 | €401,275 | €416,535 | €430,035 | ▲ 3.2% |
| Profit (loss) carried forward14 | €94 | €275 | €837 | €66 | €230 | €134 | €52 | €154 | ▲ 195% |
| Amounts payable17/49 | €19,086 | €16,407 | €44,899 | €19,946 | €33,133 | €39,808 | €120,700 | €132,584 | ▲ 9.8% |
| Amounts payable after more than one year17 | - | - | - | - | - | - | €100,000 | €100,000 | = |
| Other amounts payable178/9 | - | - | - | - | - | - | €100,000 | €100,000 | = |
| Amounts payable within one year42/48 | €19,086 | €16,407 | €44,899 | €19,946 | €33,133 | €39,808 | €20,700 | €32,584 | ▲ 57.4% |
| Financial debts43 | - | - | - | €146 | €128 | €156 | - | - | - |
| Credit institutions430/8 | - | - | - | €146 | €128 | €156 | - | - | - |
| Trade debts44 | €4,956 | €5,275 | €4,581 | €4,792 | €8,197 | €1,831 | €2,174 | €736 | ▼ 66.2% |
| Suppliers440/4 | - | - | - | €4,792 | €8,197 | €1,831 | €2,174 | €736 | ▼ 66.2% |
| Taxes, remuneration and social security45 | - | - | - | €8,025 | €12,304 | €19,182 | €3,390 | €5,494 | ▲ 62.1% |
| Taxes450/3 | - | - | - | €8,025 | €12,304 | €19,182 | €3,390 | €5,494 | ▲ 62.1% |
| Other amounts payable47/48 | - | - | - | €6,983 | €12,504 | €18,640 | €15,136 | €26,354 | ▲ 74.1% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | - | €0 | €0 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,601 | €42,493 | €59,362 | €47,028 | €62,964 | €80,735 | €14,148 | €14,432 | ▲ 2.0% |
| + Depreciation and write-downs630 | €5,542 | €6,984 | €6,984 | €3,106 | €2,074 | €2,004 | €1,817 | €6,678 | ▲ 267% |
| Operating cash flow (approximation) | €23,143 | €49,477 | €66,346 | €50,134 | €65,038 | €82,739 | €15,965 | €21,109 | ▲ 32.2% |
| Investment in fixed assets (approximation) | - | -€4,324 | €0 | -€5,138 | €0 | -€2,623 | -€309,813 | -€4,904 | ▲ 98.4% |
| Change in cash | - | €2,262 | €200,480 | €1,573 | €321 | €83,328 | -€188,080 | €19,938 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 15 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 24-08-2026 | 2026-00430729 |
| 31-12-2024 | micro format | 11-07-2025 | 2025-00258834 |
| 31-12-2023 | micro format | 12-07-2024 | 2024-00249236 |
| 31-12-2022 | micro format | 14-07-2023 | 2023-00241156 |
| 31-12-2021 | micro format | 12-07-2022 | 2022-20197278 |
| 31-12-2020 | micro format | 30-08-2021 | 2021-59400430 |
| 31-12-2019 | micro format | 18-06-2020 | 2020-19700022 |
| 31-12-2018 | micro format | 12-07-2019 | 2019-32400593 |
| 31-12-2017 | micro format | 13-08-2018 | 2018-46500578 |
| 31-12-2016 | micro format | 31-08-2017 | 2017-56800033 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| LAUWERS Mick |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
13-05
Gazette deed
Appointment: LAUWERS Mick (director)Legal-form conversion · Amendment of the articles · Capital conversion9 facts ▸
- General meeting, 17-04-2024
- Legal-form conversion, “besloten vennootschap” (deed in Dutch)
- Amendment of the articles (2 times)
- Capital conversion, “inwerkingtreding WVV, van rechtswege” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekeningen omvormen in beschikbare” (deed in Dutch)
- General meeting, “aanpassing statuten aan WVV met terminologische wijzigingen en van rechtswege omvorming tot besloten vennootschap heeft geenszins tot gevolg dat bestuursmandaat…” (deed in Dutch)
- Director appointment, LAUWERS Mick (director (not named in the articles))
- Declaration, “aanvaarding mandaat” (deed in Dutch)
- General meeting, “opdracht aan notaris om coördinatie van statuten op te maken en te ondertekenen in overeenstemming met vorig besluit,en te zorgen voor neerlegging van akte en a…” (deed in Dutch)
Show earlier events
About the unread acts
Of the 4 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Legal Entity Identifier
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11013A0066/02P003 | Flanders | 745 m² | 1 · 184 m² | 7.1 m · 2 |
How the parcels are linked
Articles of association
What the company does
- Name clauseThe name the company operates under according to its articles.
- To The Point Services
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, België of buitenland” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 12 - Bevoegdheden van het bestuursorgaan Handelingsbevoegdheid Als er slechts één bestuurder is, bezit hij het geheel van de…”“vertegenwoordigen. De besluiten van het college van bestuurders worden genomen bij volstrekte meerderheid van de uitgebrachte stemmen…”
Full text
vertegenwoordigen. De besluiten van het college van bestuurders worden genomen bij volstrekte meerderheid van de uitgebrachte stemmen, waarbij geen rekening wordt gehouden met de onthoudingen en de blancostemmen, behoudens andersluidende wettelijke of statutaire bepaling. Bij staking van stemmen is het voorstel verworpen. Vertegenwoordigingsbevoegdheid De vennootschap wordt, ten aanzien van derden, in en buiten rechte, in alle rechtshandelingen en akten, met inbegrip van die akten die de tussenkomst vereisen van een openbaar ambtenaar, geldig vertegenwoordigd door elke bestuurder. De statuten kunnen aan deze vertegenwoordigingsbevoegdheid beperkingen aanbrengen. Deze beperkingen zijn niet aan derden tegenwerpelijk, ook al zijn ze bekendgemaakt. Hetzelfde geldt voor een onderlinge taakverdeling onder de vertegenwoordigingsbevoegde bestuurders. De statuten kunnen evenwel aan één of meer bestuurders de bevoegdheid verlenen om de vennootschap alleen of gezamenlijk te vertegenwoordigen. Dergelijke vertegenwoordigingsclausule kan aan derden worden tegengeworpen onder de voorwaarden van bekendmaking conform artikel 2:18 van het WVV. De vennootschap is gebonden door de rechtshandelingen van het bestuursorgaan, van de personen aan wie het dagelijks bestuur is opgedragen en van de bestuurders die de bevoegdheid hebben om de vennootschap te vertegenwoordigen, zelfs indien deze handelingen buiten het vennootschapsvoorwerp vallen, tenzij de vennootschap bewijst dat de derde daarvan op de hoogte was of er, gezien de omstandigheden, niet onwetend van kon zijn. De bekendmaking van de statuten alleen is echter geen voldoende bewijs. Binnen het kader van het dagelijks bestuur wordt de vennootschap geldig verbonden door een aangestelde tot dit bestuur. Binnen het kader van hun mandaat is de vennootschap geldig vertegenwoordigd door bijzondere gevolmachtigden. De vennootschap wordt in het buitenland vertegenwoordigd door iedere persoon daartoe uitdrukkelijk aangesteld door het bestuursorgaan.
- Board ruleHow the board is made up, meets and takes decisions.
- “Één of meer bestuurders, hetzij enige aandeelhouder,hetzij een of meer personen al dan niet aandeelhouder,benoemd met of zonder…” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of May at 16:00